Whether you get it through your employer (or a spouse or partner's employer), through a labor organization or union, or individually through the federal health quality health insurance will make sure you're able to see a doctor when you're sick, get a routine checkup, purchase medication, or seek medical care in the case of an unexpected illness or an accident. Disability insurance, also usually offered by your employer or through an independent marketplace, is designed to provide supplemental income in the case that you're hurt and unable to work for a short or long period of time. Both are all but necessary.
 


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